The Mitchells Blog

Credit & funding, explained.

Plain-English guides on fixing bad credit, accessing funding, and building a profile that lenders want to say yes to.

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How to fix bad credit fast: a 7-step action plan

If you're starting from a low score, here's the exact sequence that moves the needle fastest — from pulling your reports to filing your first dispute.

Oct 28, 2026Read

Credit Repair 6 min read

How to remove a charge-off from your credit report

A charge-off doesn't have to stay on your report for 7 years. Here's how to dispute it, negotiate a pay-for-delete, and when to walk away.

Oct 21, 2026Read

Funding 10 min read

Business funding with poor credit: what you can actually get

Most lenders won't tell you this, but you can get business funding with a low score — if you know which programs to target and how to position your file.

Oct 14, 2026Read

Credit Repair 5 min read

What counts as a hard inquiry (and how many is too many)

Hard inquiries can ding your score by 5–10 points each. Learn which pulls count, how to minimize the impact, and when to dispute them.

Oct 7, 2026Read

Funding 7 min read

DTI vs. credit score: which matters more for funding?

Lenders weigh both — but not equally. We break down how lenders actually weigh income vs. credit history, and which to fix first.

Sep 30, 2026Read

Credit Building 6 min read

Tradelines explained: how authorized-user accounts build your score

Being added as an authorized user to a seasoned account can boost your score in 30 days. Here's how it works, what to watch for, and what it costs.

Sep 23, 2026Read

Credit Building 5 min read

Credit repair vs. credit building: which do you need?

Repair removes the negative. Building adds the positive. Most people need both — here's how to tell which side of your file needs work first.

Sep 16, 2026Read

Funding 8 min read

The credit checklist every mortgage applicant should run first

Before you apply for a mortgage, run this checklist. It's the difference between approval and denial — and between a good rate and a bad one.

Sep 9, 2026Read

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